Collection Agencies in Boston / Massachusetts

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List of collection agencies in Massachusetts

If you need a cost-effective debt collection agency fully licensed to recover medical or small business debt in Massachusetts: Contact us

Boston & Massachusetts Debt Recovery

Get paid faster with a plan that’s cost-effective, compliant, and reputation-safe. We help small and large businesses across Boston, Cambridge, Worcester, Springfield, the North/South Shore, and statewide. We can collect in all 50 states and Puerto Rico.

CTA: Ready to start? Contact us for a quick, no-pressure review.

Why Switch to Us

Higher net back: fixed-fee early steps (~$15/account) for fresher balances.
Reputation protection: polite, brand-safe outreach; escalation only when warranted.
Compliance first: Massachusetts call-frequency limits and notice rules baked in.
Operational lift: free bankruptcy, litigious-debtor, and address checks; clear reporting.
Flexible options: start at Steps 1–3 based on age/amount; no recovery, no fee on contingency.

Industries We Serve

Medical, Dental, Schools/Universities, Utilities, Auto (sales/service), Professional services (legal/CPA), Gyms & Memberships, Senior Living, Parking & Towing, Home Services, Property Management, Retail & e-commerce, Small & Large Business A/R.

How We Work

(Practical guidance, not legal advice. We tailor to your facts and the latest rules.)

Start where it fits: Steps 1–3 based on age/amount.
Respectful contact: letters/calls plus compliant digital where permitted.
You stay in control: credit reporting and legal are opt-in tools, used judiciously.

Service Types & Pricing

Step 1 — First-Party Courtesy Reminders (Fixed-Fee)
Five soft reminders for fresher balances (0–60 days), sent as if from you.
Typical Fee: $15/account.
Step 2 — Third-Party Written Demands (Fixed-Fee)
Five professional letters on third-party letterhead; digital touches where allowed.
Typical Fee: $15/account.
Step 3 — Full Third-Party Collections (Contingency)
Polite phone + digital contact; payment plans/settlements when helpful.
Typical Fee: 40% of amounts recovered. No recovery, no fee.
Step 4 — Legal Collections (Contingency, client-approved)
Attorney escalation after in-depth review; nominal filing fees initiated and reimbursed upon recovery.
Typical Fee: 50% of amounts recovered. No recovery, no fee.

Notes: Steps 1–2 pay directly to you; no extra fees. Start at any step (1–3).

Free: bankruptcy screen, litigious-debtor check, latest-address check. Credit reporting if you choose and if permitted.

Massachusetts Compliance — Ultra-Short

Call frequency limits: Massachusetts caps contact attempts; workplace contacts are tightly restricted.
Time-to-sue (contracts): generally 6 years in MA; after that, claims are typically time-barred.
Wage garnishment: court order required and heavily limited/exempt; we focus on cooperative resolutions first.
Licensing/notice: third-party collection activity requires state-specific licensing/bonding and clear disclosures.

Massachusetts Debt Collection Laws — Practical Highlights (Plain-English)

This is practical guidance, not legal advice. We tailor outreach to your facts and the latest rules.

State Licensing & Bonding
Third-party collectors must be licensed in Massachusetts and meet bonding/record-keeping standards. We only operate in line with current state requirements.
Strict Communication Rules (AG Regulations + Federal Law)
Massachusetts imposes tight limits on call frequency and timing, adds content requirements for written notices, and restricts certain voicemail/text/email practices. We build these limits into cadence, scripts, and templates.
Contact Hours & Place of Work
No calls at inconvenient times (generally outside 8 a.m.–9 p.m.). Workplace contacts are restricted, especially if the employer prohibits them. We verify workplace policies before any outreach.
Required Written Disclosures & Validation Rights
Consumers must receive a timely written notice describing the debt and their right to dispute/seek validation. If a dispute arrives, collection pauses until validation is sent. Our workflows halt automatically on disputes.
Time-Barred Debt (Statute of Limitations)
Many Massachusetts contract claims are time-barred after ~6 years (shorter for some goods-related claims). For out-of-statute accounts, we do not sue and provide required time-barred disclosures before any voluntary payment discussions.
No Misrepresentation or Unfair Practices
Threats of legal action that won’t or can’t occur, misleading settlement language, or third-party disclosure (telling others about the debt) are prohibited. Our QA checks every template and call reason before use.
Fees, Interest & Add-Ons
Only amounts allowed by contract or law may be sought (interest, late fees, costs). We scrub each account to match the underlying agreement and Massachusetts limits before first contact.
Wage Garnishment & Bank Levies
Garnishment requires a court judgment and is heavily limited/exempt in Massachusetts. We prioritize cooperative payment plans; legal escalation happens only with your approval and after a cost-benefit review.
Medical Debt & Credit Reporting
Credit reporting for medical balances is subject to evolving national bureau rules and state/federal policy shifts. We use the current rule set at the time of action and will not report unless you opt in and law permits.
Language Access & Sensitive Consumers
We offer plain-language communications and respectful options for limited-English-proficiency consumers, active-duty military, the elderly, and recently bereaved accounts—reducing complaints and improving resolution rates.

Ready to recover more in Boston & across MA?

Let’s begin with a short review of your aging A/R (Seaport, Kendall Square, Back Bay, Worcester, Springfield, or the Cape).
CTA: Contact us and send a sample file today.